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Topic: Guaranteed minimum income

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	moneyworld-ifa.co.uk /Income_Bonds (332 words)

	Annuity and Variable Annuity Living Benefits. GMIB, GMAB, GMWB, For Life Income
		This base benefit amount is what is used to calculate the minimum stream of income that is guaranteed for the rest of your life.
		The term used for this benefit is GMIB which stands for guaranteed minimum income benefit, different companies use different terms for this benefit.
		The guaranteed withdrawal benefit was the second living benefit that hit the insurance market about 5 years ago.
	www.annuityiq.com /what-are-variable-annuity-living-benefits (1115 words)

	Guaranteed minimum income - Wikipedia, the free encyclopedia
		The current model of progressive income taxes used throughout the western world could be eliminated, but the system would still be progressive, since those at the lower end of the wage scale would pay less in taxes than they would receive in guaranteed income.
		The introduction of a guaranteed minimum income could also see the elimination of traditional welfare, the minimum wage, much of unemployment insurance, government pensions, and benefits for the disabled and ill. This would eliminate large amounts of government bureaucracy.
		Portugal is by far the closest, with a guaranteed minimum income a legally enshrined right for the entire population since 1997.
	en.wikipedia.org /wiki/Guaranteed_minimum_income (1053 words)

	Industry without Happiness: On the Guaranteed Minimum Income : LA IMC
		Minimum income would take away some of the disciplining character from work, contribute to the disarmament of the working morale of factories and offices, loosen the bond of living labor to the dead and break through that iron law that still characterizes this society today: only one who works may eat.
		The purpose of the minimum income is not limited to whether it drives the ruling class to the edge of political bankruptcy.
		Minimum income will be a powerful project that can only be realized consensually in long discussions: ending the industrial phase of colonialization and beginning to release large parts of human (labor) power in society (8).
	la.indymedia.org /print.php?id=125360 (3167 words)

	Guaranteed minimum income - Wikipedia, the free encyclopedia
		For the most wealthy members of society the few thousand dollars of the guaranteed income would only make a small dent in the taxes they have to pay.
		Some European countries have reoriented their taxation systems to more closely reflect a guaranteed minimum income system, including Belgium, the Netherlands and the United Kingdom.
		The world's most noted advocate of the guaranteed minimum income system is the Belgian economist Philippe van Parijs.
	en.wikipedia.org /wiki/Basic_Income (1053 words)

	A history of income guarantees
		Low income families, lone parents and their dependent children, people older than the pension age requirements, blind pensioners, working people with children, orphans, ex-service personnel over the age of 60 years, and people in some other categories, provided they apply, meet residential requirements, and who meet asset and means limits are guaranteed an income.
		It is clear from the structure of the welfare debate surrounding the introduction of income guarantees in the United States, that the issue of 'dependency' was interpreted in an extraordinarily narrow manner, informed by male orientated views concerning the family, work, morality, and self-help.
		General income guarantees are favoured by those on the left of the political spectrum because they are seen to deliver equal benefits to all in equivalent financial need.
	www.geocities.com /ubinz/JT/IncomeInsecurity/lHistoryGMI.htm (9174 words)

	[No title] (Site not responding. Last check: 2007-10-31)
		The Guaranteed Minimum Income Schemes in the European Union, the Crisis in the European Social Policy Model and the Lessons from the USA1 26/12/2002 Manuel Nunes Henriquesa Abstract: We show that the current Guaranteed Minimum Income (GMI) schemes in the European Union are rather ineffective in moving individuals from welfare into work.
		The Guaranteed Minimum Income in the European Union Minimum income schemes in the European Union have two broad purposes: to fight against poverty and to enable social and economic integration of the poorest individuals.
		The idea is to guarantee a minimum level of income to all citizens of the Member States and follows from the recognition of “the basic right of a person to sufficient resources and social assistance to live in a manner compatible with human dignity”.
	www.widerquist.com /usbig/discussionpapers/054-Henriques.doc (6244 words)

	Ending Hunger, Homelessness, and Poverty - Articles - Citizen Policies Institute
		The guaranteed income would be just enough money to cover basic needs, not enough to undermine people's incentive to work, earn, save, and invest.
		Some income support is necessary in the name of decency as well as in the practical interests of society at large.
		Nixon's guaranteed income plan was passed by the House of Representatives-easily, with 2/3 of the vote.
	www.citizenpolicies.org /articles/endinghunger.html (2560 words)

	pax christi - ökumenische ortsgruppe bregenz, vorarlberg - austria
		On the contrary, the guarantee of a minimum income can also be used to 'close down' and to 'put out' people; it can be used to further the differences between the rich and the impoverished.
		The use of a guaranteed basic income depends on the socio-political frame into which it is introduced.
		The introduction of a guaranteed minimum income for all would mean fundamental changes in socio-political practices.
	www.vobs.at /asav/pax1_eng.htm (484 words)

	Unemployment insurance Guaranteed minimum income, more information about Guaranteed minimum income
		The current model of progressive income taxes used throughout the western world could be eliminated, but the system would still be progressive, since those at the lower end of the wage scale would pay less in taxes than they would receive in guaranteed income.
		The introduction of a guaranteed minimum income could also see the elimination of traditional welfare, the minimum wage, much of unemployment insurance, government pensions, and benefits for the disabled and ill. This would eliminate large amounts of government bureaucracy.
		Portugal is by far the closest, with a guaranteed minimum income a legally enshrined right for the entire population since 1997.
	www.unemployment-insurances.com /Guaranteed_minimum_income.html (776 words)

	portland imc - 2005.04.20 - Industry without Happiness: On the Guaranteed Minimum Income
		The minimum income accomplishes very little and yet very much, little because it no longer sees unemployment punished and stigmatized - as in the past - and much because it creates possibilities enabling (not dictating!) individuals to back off from the work society and lessen dependence on large organizations.
		Conceptions of minimum security consciously aiming at the two-thirds society - given the end of that brief era marked by full employment - are not lacking to the right.
		The minimum income here - in view of an obvious crisis of all known employment policy for which a transcending answer is not in sight - is seen as a stop gap.
	portland.indymedia.org /en/2005/04/315893.shtml (3864 words)

	[No title]
		The negative income tax corresponded to 50% of the difference between that level and the person’s income in the case of people who worked, and 30% in the case of those who were not working or had a null income.
		The first one is to guarantee a minimum income by means of a negative income tax, offering a benefit that will be a proportion of the difference between the level defined by law and the family income.
		Any minimum income or scholarship program assumes that individuals are stating their actual income, be it derived from the formal market or the informal market.
	www.widerquist.com /usbig/discussionpapers/034-Suplicy.doc (6987 words)

	Future Positive : Front Page (Site not responding. Last check: 2007-10-31)
		Democratically set guaranteed income for all would be the universal safeguard against any significant economic hardship experienced by anybody (most often by women and children) as a result of changing family relationships.
		The democratically set, universally guaranteed income would be available to all older women who require it and the democratically set maximum bound on personal wealth would provide economic incentive for the still rich, famous and powerful to cause meaningful, acceptable and satisfying work to be made available for all older women who desire it.
		Further, this guaranteed income could, and at least a portion of it would, be devoted to the development of societally profitable appropriate technology -- as opposed to personally profitable but societally detrimental technological development economically encouraged by many present socioeconomic system arrangements.
	futurepositive.synearth.net /2004/03/05 (14089 words)

	Guaranteed Minimum Income Benefit
		Custom Cleaners, Dissatisfaction Guaranteed - Washington Post - B efore trial began in the case of the D.C. judge who sued his neighborhood dry cleaners after they lost his pants, the most extraordinary fact was Roy Pearson's demand for $65 million in damages.
		New bill may entrench minimum sentences - Business Day South Africa - CAPE TOWN — Contentious minimum sentences are set to become a permanent feature with the tabling of legislation to give regional courts the power to impose life sentences.
		Federal income growing faster than spending in fiscal 2007 - Chicago Tribune - WASHINGTON -- The federal deficit is running sharply lower through the first eight months of this budget year as growth in revenues continues to outpace the growth in spending.
	www.mostchoice.com /guaranteed-minimum-income-benefit.cfm (2477 words)

	The Redistributive Impact of the Guaranteed Minimum Income Programme in Portugal
		The Redistributive Impact of the Guaranteed Minimum Income Programme in Portugal
		In this paper we evaluate the impact of the Portuguese Guaranteed Minimum Income Programme (GMI) on the income distribution in Portugal, and discuss its effectiveness and efficiency in fighting poverty and social exclusion in the country.
		We measure its impact on the distribution of household incomes and poverty, as well as the amount of government expenditure required to finance it.
	ideas.repec.org /p/ise/isegwp/wp92004.html (460 words)

	S/R 9: The Guaranteed Minimum Income and the Maximum Income
		This yields a guaranteed minimum income of $20,000 for a family of four in 1995 (with $2500 adjustments for more or fewer family members).
		This yields a guaranteed minimum income of $20,000 for a family of four in 1995.
		With income incentives not so strong in encouraging corporate hierarchies that stifle the free flow of information and undermine talented innovators who are competitors in the corporate hierarchy, some of the strongest barriers to innovation would fall.
	www.greens.org /s-r/09/09-18.html (1977 words)

	Guaranteed Minimum Income Benefit - GMIB Comparisons
		The Guaranteed Minimum Income Benefit GMIB provisions in the table below are in our opinion the most competitive GMIB annuity riders available on the market today.
		6% Compounding income base until contract anniversary prior to age 86, or highest account value on any annual anniversary to age 81.
		Benefit is based upon the greater of 5.5% annual compounding growth until the earlier of age 85 or the 24th rider anniversary, or the highest contract anniversary value prior to age 85.
	www.annuityfyi.com /ca1e_living_benefit.html (433 words)

	Free Financial Advice - The Guaranteed Minimum Income Benefit
		The Guaranteed Minimum Withdrawal Benefit provides a guaranteed minimum return on the annuity contract that can be accessed prior to death.
		For instance, the GMWB rider might guarantee a minimum return of 6% per year.
		This means you are looking at a minimum of a 15 year investment.
	www.guarding-your-wealth.com /annuities/articles/GMWB.htm (727 words)

	The Guardian CXC variable annuity
		It guarantees that at the end of the ten-year period, your accumulation value will be at least equal to the premiums you initially paid, adjusted for any partial withdrawals.
		This optional rider is available for an additional 0.50% of the Guaranteed Withdrawal balance of the prior contract anniversary adjusted for any step-ups or subsequent premium payments made prior to the current contract anniversary.
		If the AssetAccess Guaranteed Minimum Withdrawal Benefit rider is chosen, an additional annual fee of 0.50% of the guaranteed withdrawal balance of the prior contract anniversary adjusted for any step-ups or subsequent premium payments made prior to the current contract anniversary will also apply.
	www.guardianinvestor.com /public/products/cxc_variable.aspx (2083 words)

	Employment studies, Guaranteed Minimum Income and Labor Income (Site not responding. Last check: 2007-10-31)
		In this paper, we estimate the difference in long-run after-tax and transfer income from employment and from non-employment available to families in France that receive the Guaranteed Minimum Income (RMI).
		Based on this wage distribution, and supposing that the adult in the household with the highest potential earnings is the one employed, we find that 74% of welfare households would have an increase in disposable income if they were employed, relative to their disposable income in the absence of employment.
		The share of households that have an increase in disposable income from working goes from 74% to 89%, with the shares for single mothers still the lowest.
	www.cee-recherche.fr /uk/abstract9.htm (226 words)

	Guaranteed Minimum Income Benefit and N.Y. Ins. Law § 4240(d) (McKinney 2000) (Site not responding. Last check: 2007-10-31)
		Law § 4240(d)(2) (McKinney 2000), the Superintendent has the authority to determine the appropriate grace, reinstatement and nonforfeiture provisions for individual variable annuities with a guaranteed minimum income benefit feature.
		Variable deferred annuities permit policyholders to accumulate retirement assets in a wide range of stock and bond funds and to apply those accumulations to purchase an income stream (known as "annuitization") or, in general, at any time to withdraw their cash values.
		ABC Life Insurance Company wishes to offer, by rider, an additional annuitization option in the form of guaranteed minimum income benefit (the "GMIB") to its variable annuity contract customers.
	www.ins.state.ny.us /rg202151.htm (512 words)

	The Guardian Investor Income Access Variable Annuity
		For contracts with the Guaranteed Minimum Income Benefit rider, $1 million in the first contract year.
		Ordinary income taxes will be due when earnings are withdrawn and IRS penalties may apply to withdrawals prior to age 59 1/2.
		Offered at no additional cost, and guarantees that if the annuitant dies before annuity payments begin, your beneficiaries will never receive less than the premiums paid - minus an adjusted amount for any withdrawals - even if your account value has declined as a result of market fluctuations.
	www.guardianinvestor.com /public/products/giia_variable.aspx (2079 words)

	The impact of a "Minimum Guaranteed Income Program" in Portugal
		The objective of this paper is to estimate the impact of the Portuguese Minimum Guaranteed Income Program (RMIG).
		We estimate its impact on the distribution of household incomes and poverty as well as the size of government expenditures necessary to finance the program.
		The baseline adopted is constructed under the assumption of no behavioural responses to the transfer mechanism and of total participation of all eligible households.
	ideas.repec.org /p/ise/isegwp/wp31999.html (415 words)

	Guaranteed Annual Income Links - Canadian Social Research Links
		Founded in 1986, the Basic Income European Network (BIEN) aims is to serve as a link between individuals and groups committed to, or interested in, basic income, i.e.
		The Citizen's Income Trust plays a vital role in building democracy, promoting pluralism, improving justice, addressing poverty and correcting and complementing the roles of the state and the economic market place.
		USBIG aims to encourage discussion on the basic income guarantee in the United States and to serve as a link between supporters.
	www.canadiansocialresearch.net /gai.htm (1253 words)

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	EMIRE: LUXEMBOURG - GUARANTEED MINIMUM INCOME (RMG)
		The conditions of eligibility, which in addition to age and residence qualifications include availability to accept any offer of suitable employment made by the Employment Service and willingness to accept a place on a training scheme or temporary assignment to a community work programme, may be varied in particular cases.
		The benefit, which is called the complément (supplement) and makes up the difference between the minimum income guaranteed by law and the total resources available to the members of the domestic unit concerned, is paid by the National Supplementary Benefits Fund but may be advanced to claimants through local social assistance offices.
		Please note: the European industrial relations glossaries are not systematically updated, and some of the material may not reflect the current situation.
	www.eurofound.eu.int /emire/LUXEMBOURG/GUARANTEEDMINIMUMINCOMERMG-LX.html (147 words)

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